TBK Stock Overview
Triumph Bancorp, Inc. operates as a financial holding company for TBK Bank, SSB that provides various banking and commercial finance products and services to retail customers and small-to-mid-sized businesses in the United States.
Triumph Bancorp Competitors
Price History & Performance
|Historical stock prices|
|Current Share Price||US$57.92|
|52 Week High||US$136.02|
|52 Week Low||US$57.00|
|1 Month Change||-13.57%|
|3 Month Change||-11.11%|
|1 Year Change||-34.01%|
|3 Year Change||80.83%|
|5 Year Change||79.60%|
|Change since IPO||354.28%|
Recent News & Updates
|TBK||US Banks||US Market|
Return vs Industry: TBK underperformed the US Banks industry which returned -19.4% over the past year.
Return vs Market: TBK underperformed the US Market which returned -21.6% over the past year.
|TBK Average Weekly Movement||5.3%|
|Banks Industry Average Movement||3.4%|
|Market Average Movement||6.9%|
|10% most volatile stocks in US Market||15.9%|
|10% least volatile stocks in US Market||2.8%|
Stable Share Price: TBK is not significantly more volatile than the rest of US stocks over the past 3 months, typically moving +/- 5% a week.
Volatility Over Time: TBK's weekly volatility (5%) has been stable over the past year.
About the Company
Triumph Bancorp, Inc. operates as a financial holding company for TBK Bank, SSB that provides various banking and commercial finance products and services to retail customers and small-to-mid-sized businesses in the United States. The company operates through four segments: Banking, Factoring, Payments, and Corporate. It offers depository products, including checking, savings, and money market accounts, as well as certificates of deposit; and commercial and industrial loans, loans to purchase capital equipment, and business loans for working capital and operational purposes.
Triumph Bancorp Fundamentals Summary
|TBK fundamental statistics|
Is TBK overvalued?See Fair Value and valuation analysis
Earnings & Revenue
|TBK income statement (TTM)|
|Cost of Revenue||US$0|
Last Reported Earnings
Jun 30, 2022
Next Earnings Date
|Earnings per share (EPS)||4.81|
|Net Profit Margin||24.31%|
How did TBK perform over the long term?See historical performance and comparison
Is TBK undervalued compared to its fair value, analyst forecasts and its price relative to the market?
Valuation Score 3/6
Price-To-Earnings vs Peers
Price-To-Earnings vs Industry
Price-To-Earnings vs Fair Ratio
Below Fair Value
Significantly Below Fair Value
Key Valuation Metric
Which metric is best to use when looking at relative valuation for TBK?
Other financial metrics that can be useful for relative valuation.
|What is TBK's n/a Ratio?|
Price to Earnings Ratio vs Peers
How does TBK's PE Ratio compare to its peers?
|TBK PE Ratio vs Peers|
|Company||PE||Estimated Growth||Market Cap|
OFG OFG Bancorp
EFSC Enterprise Financial Services
SASR Sandy Spring Bancorp
MCHB Mechanics Bank
TBK Triumph Bancorp
Price-To-Earnings vs Peers: TBK is expensive based on its Price-To-Earnings Ratio (12.1x) compared to the peer average (8.8x).
Price to Earnings Ratio vs Industry
How does TBK's PE Ratio compare vs other companies in the US Banks Industry?
Price-To-Earnings vs Industry: TBK is expensive based on its Price-To-Earnings Ratio (12.1x) compared to the US Banks industry average (9.8x)
Price to Earnings Ratio vs Fair Ratio
What is TBK's PE Ratio compared to its Fair PE Ratio? This is the expected PE Ratio taking into account the company's forecast earnings growth, profit margins and other risk factors.
|Current PE Ratio||12.1x|
|Fair PE Ratio||9.3x|
Price-To-Earnings vs Fair Ratio: TBK is expensive based on its Price-To-Earnings Ratio (12.1x) compared to the estimated Fair Price-To-Earnings Ratio (9.3x).
Share Price vs Fair Value
What is the Fair Price of TBK when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.
Below Fair Value: TBK ($57.92) is trading below our estimate of fair value ($100.83)
Significantly Below Fair Value: TBK is trading below fair value by more than 20%.
Analyst Price Targets
What is the analyst 12-month forecast and do we have any statistical confidence in the consensus price target?
Analyst Forecast: Target price is more than 20% higher than the current share price and analysts are within a statistically confident range of agreement.
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How is Triumph Bancorp forecast to perform in the next 1 to 3 years based on estimates from 6 analysts?
Future Growth Score0/6
Future Growth Score 0/6
Earnings vs Savings Rate
Earnings vs Market
High Growth Earnings
Revenue vs Market
High Growth Revenue
Forecasted annual earnings growth
Earnings and Revenue Growth Forecasts
Analyst Future Growth Forecasts
Earnings vs Savings Rate: TBK's earnings are forecast to decline over the next 3 years (-11.8% per year).
Earnings vs Market: TBK's earnings are forecast to decline over the next 3 years (-11.8% per year).
High Growth Earnings: TBK's earnings are forecast to decline over the next 3 years.
Revenue vs Market: TBK's revenue (6% per year) is forecast to grow slower than the US market (7.6% per year).
High Growth Revenue: TBK's revenue (6% per year) is forecast to grow slower than 20% per year.
Earnings per Share Growth Forecasts
Future Return on Equity
Future ROE: TBK's Return on Equity is forecast to be low in 3 years time (11.1%).
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How has Triumph Bancorp performed over the past 5 years?
Past Performance Score2/6
Past Performance Score 2/6
Growing Profit Margin
Earnings vs Industry
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: TBK has high quality earnings.
Growing Profit Margin: TBK's current net profit margins (24.3%) are lower than last year (28.6%).
Past Earnings Growth Analysis
Earnings Trend: TBK's earnings have grown significantly by 26.9% per year over the past 5 years.
Accelerating Growth: TBK's earnings growth over the past year (2.4%) is below its 5-year average (26.9% per year).
Earnings vs Industry: TBK earnings growth over the past year (2.4%) underperformed the Banks industry 8.6%.
Return on Equity
High ROE: TBK's Return on Equity (13.7%) is considered low.
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How is Triumph Bancorp's financial position? (This company is analysed differently as a bank or financial institution)
Financial Health Score6/6
Financial Health Score 6/6
Allowance for Bad Loans
Low Risk Liabilities
Low Risk Deposits
Level of Bad Loans
Financial Position Analysis
Debt to Equity History and Analysis
Financial Institutions Analysis
Asset Level: TBK's Assets to Equity ratio (6.8x) is low.
Allowance for Bad Loans: TBK has a sufficient allowance for bad loans (104%).
Low Risk Liabilities: 94% of TBK's liabilities are made up of primarily low risk sources of funding.
Loan Level: TBK has an appropriate level of Loans to Assets ratio (74%).
Low Risk Deposits: TBK's Loans to Deposits ratio (92%) is appropriate.
Level of Bad Loans: TBK has an appropriate level of bad loans (0.9%).
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What is Triumph Bancorp current dividend yield, its reliability and sustainability?
Dividend Score 0/6
Future Dividend Coverage
Dividend Yield vs Market
Notable Dividend: Unable to evaluate TBK's dividend yield against the bottom 25% of dividend payers, as the company has not reported any recent payouts.
High Dividend: Unable to evaluate TBK's dividend yield against the top 25% of dividend payers, as the company has not reported any recent payouts.
Stability and Growth of Payments
Stable Dividend: Insufficient data to determine if TBK's dividends per share have been stable in the past.
Growing Dividend: Insufficient data to determine if TBK's dividend payments have been increasing.
Current Payout to Shareholders
Earnings Coverage: Insufficient data to calculate payout ratio to determine if its dividend payments are covered by earnings.
Future Payout to Shareholders
Future Dividend Coverage: No need to calculate the sustainability of TBK's dividend in 3 years as they are not forecast to pay a notable one for the US market.
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How experienced are the management team and are they aligned to shareholders interests?
Average management tenure
Aaron Graft (44 yo)
Mr. Aaron P. Graft is the Founder, Vice Chairman, and Chief Executive Officer of Triumph Bancorp, Inc. (Nasdaq: TBK). He also serves as the Vice Chairman, Chief Executive Officer, and Public Information Of...
CEO Compensation Analysis
Compensation vs Market: Aaron's total compensation ($USD2.44M) is below average for companies of similar size in the US market ($USD5.58M).
Compensation vs Earnings: Aaron's compensation has increased by more than 20% in the past year.
Experienced Management: TBK's management team is not considered experienced ( 0.9 years average tenure), which suggests a new team.
Experienced Board: TBK's board of directors are seasoned and experienced ( 10.4 years average tenure).
Who are the major shareholders and have insiders been buying or selling?
Insider Trading Volume
Insider Buying: TBK insiders have only sold shares in the past 3 months.
Recent Insider Transactions
|10 Aug 22||SellUS$180,000||Aaron Graft||Individual||2,500||US$72.00|
|14 Jun 22||BuyUS$532,770||Harrison Barnes||Individual||8,300||US$64.65|
|02 May 22||BuyUS$201,386||Charles Anderson||Individual||2,925||US$68.85|
|02 May 22||BuyUS$100,184||Debra Bradford||Individual||1,400||US$71.56|
|02 May 22||BuyUS$100,239||Laura Easley||Individual||1,417||US$70.74|
|02 May 22||BuyUS$97,482||Harrison Barnes||Individual||1,400||US$69.63|
|11 Feb 22||BuyUS$94,860||Harrison Barnes||Individual||1,000||US$94.86|
|17 Nov 21||SellUS$1,965,188||Carlos Sepulveda||Individual||14,974||US$131.24|
|04 Nov 21||SellUS$671,901||Richard Davis||Individual||5,373||US$125.21|
|25 Oct 21||SellUS$443,232||Adam Nelson||Individual||3,800||US$116.64|
Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.
|Ownership||Name||Shares||Current Value||Change %||Portfolio %|
Triumph Bancorp, Inc.'s employee growth, exchange listings and data sources
- Name: Triumph Bancorp, Inc.
- Ticker: TBK
- Exchange: NasdaqGS
- Founded: 1981
- Industry: Regional Banks
- Sector: Banks
- Implied Market Cap: US$1.403b
- Shares outstanding: 24.22m
- Website: https://www.triumphbancorp.com
Number of Employees
- Triumph Bancorp, Inc.
- 12700 Park Central Drive
- Suite 1700
- United States
|Ticker||Exchange||Primary Security||Security Type||Country||Currency||Listed on|
|TBK||NasdaqGS (Nasdaq Global Select)||Yes||Common Stock||US||USD||Nov 2014|
|TBKC.P||NasdaqGS (Nasdaq Global Select)||7.125 DP SH PF C||US||USD||Jun 2020|
Company Analysis and Financial Data Status
|Data||Last Updated (UTC time)|
|Company Analysis||2022/09/23 00:00|
|End of Day Share Price||2022/09/23 00:00|
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.